Jackson, TN
(731) 427-6651

You Choose the Repair Shop, Not Your Insurance Company

Your insurance company can suggest a shop. Only you get to decide where your car actually gets fixed.

September 15, 2026 · 3 min read

You Choose the Repair Shop, Not Your Insurance Company

The one estimate you're actually required to get

Some insurance companies will ask you to bring your car to more than one shop for competing estimates. You don't have to. Legally, you are only responsible for getting one estimate, and it makes the most sense for that one to come from the shop you actually intend to have do the work. Find a shop you feel confident with, one that can handle every part of the repair from the frame to the final paint, and get your estimate there instead of running your car all over town.

What a Direct Repair Program is

You'll sometimes hear a shop described as being on an insurer's Direct Repair Program, or DRP. That means the shop has a contract with that insurance company to follow their specific guidelines for how repairs are documented and processed. In practice, that relationship speeds up the paperwork on both sides and simplifies the process for you as the customer, because the shop and the insurer are already working from the same playbook instead of negotiating it fresh on your claim.

Where Collision South fits into that

We're a direct repair shop for most major insurance companies in the Jackson area, and we work with every insurance provider, not just the ones we have a direct relationship with. Either way, our goal is the same: get your car back to pre-accident condition without you having to referee a dispute between us and an adjuster.

Why picking your own shop actually matters

The shop your insurer suggests isn't always the shop that's right for your car. You want organized, itemized estimates you can actually read, a clear explanation of the repair procedure before it starts, and a team that handles the insurance side so you're not stuck relaying messages back and forth between two offices. That's the standard we hold ourselves to on every vehicle that comes through our bay doors, whether it's a daily driver or a work truck.

What twenty years in Jackson actually buys you

We're a local, family-owned shop, in business since 2009 and serving Jackson and the surrounding communities across Western Tennessee. That's given our staff time to build real experience across chassis straightening, unibody repair, and paint and color matching, and it's why we can handle a repair start to finish instead of farming pieces of it out. When you're deciding who to trust with your estimate, that track record is exactly what a DRP relationship can't substitute for.

What your visit actually looks like

We built our office to be a place you don't mind sitting in while paperwork gets sorted, with a clean, newly designed waiting area and a flat-screen TV, not a folding chair next to a parts counter. The idea is that dealing with an insurance claim is stressful enough without the shop itself adding to it, so we try to make the in-person side of this as pleasant, honest, and straightforward as we can.

Bring it in and see for yourself

We're at 31 Edwards Dr in Jackson, open Monday through Friday from 8 am to 5 pm, and estimates are free. Call (731) 427-6651 or just stop by, and we'll go over your car and your options with you before anything is decided. Our technicians are factory trained and certified on RAM, Jeep, Fiat, and Chrysler vehicles specifically, so if that's what you drive, you're already in the right place.

Collision South, (731) 427-6651

Call (731) 427-6651